Pricing
One honest report. One vigilant ledger.
No affiliate commissions, no phone sales — the fees are the whole business model, which is why the numbers stay labeled and the advice stays “verify it yourself”.
Free verdict
$0
No account needed.
- Three-question wizard (device, carrier, target)
- One-line cheapest-path verdict
- True net-cost range across all four paths
- Browse the promo rule library (all logged-in users)
Upgrade Report
one-time$14
Per report. Yours to re-read forever.
- Full four-path comparison with tax & assumption detail
- 24/36-month sandbox for your exact inputs
- Personalized danger-action list with forfeit amounts
- Promo rule entries for your plan, with official sources
- eBay arbitrage calculator with risk buffer
- 3 letters as .docx: shortfall complaint, plan restoration, written-confirmation request
Credit Guard
monthly$4/mo
Cancel anytime in the customer portal.
- Bill-credit ledger: promised vs posted, month by month
- Cumulative shortfall light + first-missing-month detection
- Shortfall complaint letter (.docx) generation
- Promo expiry & lock countdowns
- Includes report tools while subscribed
What the fees are not
The $14 report is not an insurance policy and the Guard is not bill monitoring — we cannot see your carrier account. You enter what posted each month (30 seconds, from your bill) and the engine does the arithmetic, the flagging, and the paperwork. The alternative to paying us is doing all four amortization tables yourself — the FAQ on the home page covers why that usually costs more than $14 of your evening.
Disclaimer
Upgrade Decoder is a self-help calculator and document tool. It is not a law firm, financial adviser, or carrier, and nothing on this page is financial or legal advice. Savings are not guaranteed: every promo amount, plan price, trade-in and resale figure is a seeded example value as of 2026-09 (confidence labeled per row), and the carrier's official promo page and your own agreement always govern. Verify anything you rely on, in writing, before you sign.